BlastPoint's Credit Union Scorecard
F A B CHURCH
Charter #9527 · GA
2596 CUs in <100M nationally
43 in GA
F A B CHURCH has 9 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 6.9% in tier
- + Deposit Growth Rate: Top 7.6% in tier
- + AMR Growth Rate: Top 8.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 18.70% above tier (higher cost structure)
- - Delinquency rate 9.09% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Total Loans: Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Total Assets: Bottom 2.8% in tier
- - Total Deposits: Bottom 3.0% in tier
- - Total Members: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
264
+1.1% YoY+2.7% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.9% in tier |
| Assets |
$415,538
+10.8% YoY+4.7% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.7% in tier |
| Loans |
$33,034
+22.5% YoY+58.5% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.8% in tier |
| Deposits |
$342,656
+10.9% YoY+6.1% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.1%
-97.2% YoY-89.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
4.0%
-14.7% YoY-1.6% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
100.1%
+78.1% YoY+4.9% QoQ
|
+18.7% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 10.9% in tier |
| Delinquency Rate |
10.6%
+198.0% YoY+393.1% QoQ
|
+9.1 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 2.2% in tier |
| Loan To Share |
9.6%
+10.5% YoY+49.3% QoQ
|
-51.6% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$1,423
+10.5% YoY+6.4% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
62
Loan Growth Rate
growth
Value:
22.49%
Peer Avg: -
#62 of 2596
Top 2.3% in <100M tier
179
Asset Growth Rate
growth
Value:
10.84%
Peer Avg: -
#179 of 2596
Top 6.9% in <100M tier
199
Deposit Growth Rate
growth
Value:
10.89%
Peer Avg: -
#199 of 2596
Top 7.6% in <100M tier
226
AMR Growth Rate
growth
Value:
10.55%
Peer Avg: -
#226 of 2596
Top 8.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
581
Member Growth Rate
growth
Value:
1.15%
Peer Avg: -
#581 of 2596
Top 22.3% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2560
Loan-to-Member Ratio (LMR)
engagement
Value:
$125.13
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2549
Loan-to-Share Ratio
balance_sheet
Value:
9.64%
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2548
Average Member Relationship (AMR)
engagement
Value:
$1,423
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2548
Total Loans
balance_sheet
Value:
$33,034
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2541
Total Delinquency Rate (60+ days)
risk
Value:
10.60%
Peer Avg: -
#2541 of 2596
Bottom 2.2% in <100M tier
2525
Total Assets
balance_sheet
Value:
$415,538
Peer Avg: -
#2525 of 2596
Bottom 2.8% in <100M tier
2518
Total Deposits
balance_sheet
Value:
$342,656
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2417
Total Members
engagement
Value:
264
Peer Avg: -
#2417 of 2596
Bottom 6.9% in <100M tier
2314
Efficiency Ratio
profitability
Value:
100.09%
Peer Avg: -
#2314 of 2596
Bottom 10.9% in <100M tier